JASMIN

Active

Private limited company (pre-2019)founded 200125 yrs activeClemenceaulaan 83, 1070 Anderlecht, BelgiumKBO/BCE: BE 0474.669.005

The computed 12-month bankruptcy probability of JASMIN is 1.7% (moderate). The 2024 annual accounts show negative equity (€-7k) and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 26052 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

50 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability85▲+85

Solvency0=

Growth44▲+17

Track record100

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.53 against 0.41 in 2023; short-term debt: 132.6% and cash: 54.5% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

-32.6%

Return on assets

19%

Age of the figures

21 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 26052 sector peers (2024).

NBB · sector comparison

Position among 26052 sector peers

Solvency

better than 14%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

74 d late

2023

on the day

2022

81 d late

2021

731 d late

2020

90 d late

2019

90 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€91k▲ 15.9%

2020 · €78k

2018: €106k 2019: €101k 2020: €78k

2018 → 2021

EBIT margin

-4.9%▲ 29.8pp

2020 · -34.7%

2018: -1.8% 2019: -19.3% 2020: -34.7%

2018 → 2021

Net result

€4k

2023 · €-11k

2018: €-3k 2019: €-11k 2020: €18k 2021: €-5k 2022: €-4k 2023: €-11k

2018 → 2024

Working capital

€-13k▲ 23.5%

2023 · €-17k

2018: €-29k 2019: €-32k 2020: €-2k 2021: €-2k 2022: €-6k 2023: €-17k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€78k-€91k▲ 15.9%

Equity€9k-€4k▼ 52.8%€-245€-11k▼ 4,297%€-7k▲ 36.9%

Operating result€-27k-€-4k▲ 83.7%€-4k▲ 3.5%€-10k▼ 146%€4k

Net result€18k-€-5k€-4k▲ 5.3%€-11k▼ 135%€4k

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €4k after a loss of €10k in 2023, the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €21k

29.5%

70.5%

Fixed assets €6k=

Current assets €15k▲ 22.5%

Key figures and ratios

2024 value · change against 2023

Solvency

-32.6%▲

2023 · -59.2%

Current ratio

0.53▲

2023 · 0.41

Quick ratio

0.48▲

2023 · 0.37

Debt / equity

-4.07▼

2023 · -2.69

ROA

19.0%▲

2023 · -57.9%

Debt

€28k▼

2023 · €29k

Debt ≤ 1 year

€28k▼

2023 · €29k

Staff costs

€16k▼

2023 · €26k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€18k€21k▲

Fixed assets21/28€6k€6k=

Financial fixed assets28€6k€6k=

Current assets29/58€12k€15k▲

Stocks and contracts in progress3€1k€1k=

Stocks30/36€1k€1k=

Amounts receivable within one year40/41€6k€1k▼

Trade receivables40€3k€245▼

Other amounts receivable41€3k€1k▼

Cash at bank and in hand54/58€4k€11k▲

Deferred charges and accrued income490/1€720€720=

Equity and liabilities

Total equity and liabilities10/49€18k€21k▲

Equity10/15€-11k€-7k▲

Contributions10/11€19k€19k=

Outside capital11€19k-

Share premium1100/10€19k-

Reserves13€469€469=

Non-distributable reserves130/1€469€469=

Reserves not available under the articles1311€469€469=

Profit (loss) carried forward14€-30k€-26k▲

Amounts payable17/49€29k€28k▼

Amounts payable within one year42/48€29k€28k▼

Trade debts44€21k€26k▲

Suppliers440/4€21k€26k▲

Taxes, remuneration and social security45€8k€1k▼

Taxes450/3€192€224▲

Remuneration and social security454/9€7k€1k▼

Income statement Code20232024

Remuneration, social security and pensions62€26k€16k▼

Other operating charges640/8€2k-

Gross operating margin9900€18k€20k▲

Operating profit (loss)9901€-10k€4k▲

Financial income75/76B€19-

Recurring financial income75€19-

Financial charges65/66B€46€45▼

Recurring financial charges65€46€45▼

Profit (loss) for the period before taxes9903€-11k€4k▲

Profit (loss) for the period9904€-11k€4k▲

Profit (loss) for the period to be appropriated9905€-11k€4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-30k€-26k▲

Profit (loss) brought forward from the previous period14P€-19k€-30k▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

13-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 74 days late

2024

31-12

Financial Back to profitnet €4k

Net result €4k after 3 loss-making years.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 731 days late

2023

20-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 81 days late

2021

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 days late

2020

31-12

Financial Back to profitnet €18k

Net result €18k after 2 loss-making years.

29-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 90 days late

2019

31-12

Financial Weakest financial yearnet €-11k

Net result drops to €-11k, the lowest in the series; recovery starts the following year.

05-07

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

10-07

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 31 days late

2016

31-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2001

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Clemenceaulaan 831070 Anderlecht

Ground area

90 m²

Building footprint

90 m²

Volume, LiDAR

1,404 m³

Parcel 21305B0209/00A006, Brussels · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

BOULANGERIE JASMIN

Clemenceaulaan 83, 1070 AnderlechtNACE 52240

since 20012.098.412.480

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21305B0209/00A006	Brussels	90 m²	1 · 90 m²	18.1 m · 5 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Anderlecht2.098.412.480

1 permission

Toelating · Detailhandel met verwerking · since 02-08-2024

Similar companies · same sector, comparable size

Of 2,407 companies in sector 47241 we hold annual accounts for 1,098. 451 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded25-04-2001

Fiscal year end31-12

Activities, NACEBEL

47241Retail sale of bread and pastry (bakery outlets)

52240

Sources

Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.